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Loan Rates

Automobile Rates
Effective Date: 4/27/2017
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Type of LoanTermFixed RateAPR*
New/Used Automobiles/Trucks/Vans Up to 36 months As low as 2.34% 2.72%
New/Used Automobiles/Trucks/Vans Up to 60 months As low as 2.99% 3.22%
New/Used Automobiles/Trucks/Vans Up to 75 months As low as 3.34% 3.53%
New/Used Automobiles/Trucks/Vans Up to 84 months As low as 4.34% 4.51%
The stated rate and corresponding APR assumes borrower with excellent credit score (760+), borrowing less than 90% Loan-to-Value (LTV) on a vehicle no more than 4 years old with less than 100,000 miles. Interest rates are generally higher for older model cars. The example APR is based on a loan amount of $25,000, for the stated term and 30 days to first payment. Actual loan rate will be determined by your actual LTV, credit score, model year and vehicle miles. Not all terms are available for all models or all borrowers. Rates are subject to change without further notice.

Motorcycle Rates
Effective Date: 4/27/17
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Type of LoanTermFixed RateAPR*
Motorcycles Up to 72 months As low as 5.99% 6.33%
The stated rate and corresponding APR assumes borrower with excellent credit score (760+), borrowing less than 90% Loan-to-Value (LTV) on a vehicle no more than 4 years old with less than 100,000 miles. Interest rates are generally higher for older model cars. The example APR is based on a loan amount of $25,000, for the stated term and 30 days to first payment. Actual loan rate will be determined by your actual LTV, credit score, model year and vehicle miles. Not all terms are available for all models or all borrowers. Rates are subject to change without further notice.

Recreational Vehicle Rates
Effective Date: 4/27/2017
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Type of LoanModel YearTermFixed RateAPR*
New/Used RV's/Campers/Boats Less than 7 years old Up to 240 months As low as 4.49% 4.54%
*APR based loan amount of $50,000, rate of 3.99% and 240 monthly payments of $302.74.
New/Used RV's/Campers/Boats Less than 7 years old Up to 180 months As low as 4.74% 4.86%
*APR based loan amount of $25,000, rate of 4.24% and 180 monthly payments of $187.96.
The actual loan rate will be based on several factors including, but not limited to, loan-to-value, credit score, requested term and model year. Other terms and model years may be available. Please call for options. Rates subject to change without notice.

Home Equity Line of Credit (HELOC)
Effective Date: 3/16/17
Apply now $15,000 minimum line
Loan to ValueTermAPR*
Up to 80% 20 years As low as 4.00%
80.01-90% 20 years As low as 4.750%
* The home equity line of credit Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the "Index"), plus a margin. Advertised rate is based on rates as of 3/16/2017 and subject to change. The minimum line of credit amount is $15,000. Minimum APR is 0%. Maximum APR (Lifetime Rate Cap) will be 18%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, CLTV, property type, amount of credit, term, and geographic location. There is a $60 annual fee. The early termination fee will be $350 if terminated within the first 36 months. No closing costs for closed loans that meet FFCU criteria. Applicant will owe any costs for loans that do not close. These costs may vary based on the stage of the application. This account has a Draw Period of 10 years, after which you will be required to repay any amounts within a 10-year Repayment Period, depending upon your account balance. Hazard and, if applicable, flood insurance required. New Firelands Federal Credit Union Home Equity Accounts are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations and exclusions may apply.

SMART Loans (Payday Lending Alternative)
Effective Date: 4/27/2017
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TermFixed RateAPR*Amt. Up To
Up to 6 months 28.00%* 28.00%* $1,000
*APR based on loan amount of $1,000, rate of 28% and 6 monthly payments of $180.44. APR means Annual Percentage Rate.

Please call a loan officer for our current rates if you don't see them on our website.

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